vs
Side-by-side financial comparison of MONRO, INC. (MNRO) and Paymentus Holdings, Inc. (PAY). Click either name above to swap in a different company.
Paymentus Holdings, Inc. is the larger business by last-quarter revenue ($330.5M vs $293.4M, roughly 1.1× MONRO, INC.). Paymentus Holdings, Inc. runs the higher net margin — 6.3% vs 3.8%, a 2.5% gap on every dollar of revenue. On growth, Paymentus Holdings, Inc. posted the faster year-over-year revenue change (28.1% vs -4.0%). Paymentus Holdings, Inc. produced more free cash flow last quarter ($45.0M vs $9.1M). Over the past eight quarters, Paymentus Holdings, Inc.'s revenue compounded faster (33.7% CAGR vs -2.7%).
Monro, Inc. is an automotive services company founded and headquartered in Rochester, New York, U.S. As of 2025, Monro has 1,260 locations making them the second-largest automotive services company in North America after Driven Brands by number of locations and by revenue.
Paymentus Holdings, Inc. is a leading cloud-based bill payment and customer engagement technology provider. It offers integrated digital payment solutions, billing automation tools, and self-service portals for enterprises across utilities, financial services, government, healthcare, and telecommunications segments, primarily operating in the North American market.
MNRO vs PAY — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $293.4M | $330.5M |
| Net Profit | $11.1M | $20.7M |
| Gross Margin | 34.9% | 25.4% |
| Operating Margin | 6.3% | 7.3% |
| Net Margin | 3.8% | 6.3% |
| Revenue YoY | -4.0% | 28.1% |
| Net Profit YoY | 143.1% | 57.2% |
| EPS (diluted) | $0.35 | $0.16 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $293.4M | $330.5M | ||
| Q3 25 | $288.9M | $310.7M | ||
| Q2 25 | $301.0M | $280.1M | ||
| Q1 25 | $295.0M | $275.2M | ||
| Q4 24 | $305.8M | $257.9M | ||
| Q3 24 | $301.4M | $231.6M | ||
| Q2 24 | $293.2M | $197.4M | ||
| Q1 24 | $310.1M | $184.9M |
| Q4 25 | $11.1M | $20.7M | ||
| Q3 25 | $5.7M | $17.7M | ||
| Q2 25 | $-8.1M | $14.7M | ||
| Q1 25 | $-21.3M | $13.8M | ||
| Q4 24 | $4.6M | $13.1M | ||
| Q3 24 | $5.6M | $14.4M | ||
| Q2 24 | $5.9M | $9.4M | ||
| Q1 24 | $3.7M | $7.2M |
| Q4 25 | 34.9% | 25.4% | ||
| Q3 25 | 35.7% | 24.1% | ||
| Q2 25 | 35.5% | 25.5% | ||
| Q1 25 | 33.0% | 24.0% | ||
| Q4 24 | 34.3% | 25.6% | ||
| Q3 24 | 35.3% | 26.2% | ||
| Q2 24 | 37.2% | 29.8% | ||
| Q1 24 | 35.5% | 28.5% |
| Q4 25 | 6.3% | 7.3% | ||
| Q3 25 | 4.4% | 6.4% | ||
| Q2 25 | -2.0% | 5.7% | ||
| Q1 25 | -8.1% | 5.7% | ||
| Q4 24 | 3.3% | 5.5% | ||
| Q3 24 | 4.4% | 5.2% | ||
| Q2 24 | 4.5% | 5.2% | ||
| Q1 24 | 3.3% | 4.5% |
| Q4 25 | 3.8% | 6.3% | ||
| Q3 25 | 2.0% | 5.7% | ||
| Q2 25 | -2.7% | 5.3% | ||
| Q1 25 | -7.2% | 5.0% | ||
| Q4 24 | 1.5% | 5.1% | ||
| Q3 24 | 1.9% | 6.2% | ||
| Q2 24 | 2.0% | 4.7% | ||
| Q1 24 | 1.2% | 3.9% |
| Q4 25 | $0.35 | $0.16 | ||
| Q3 25 | $0.18 | $0.14 | ||
| Q2 25 | $-0.28 | $0.11 | ||
| Q1 25 | $-0.74 | $0.11 | ||
| Q4 24 | $0.15 | $0.11 | ||
| Q3 24 | $0.18 | $0.11 | ||
| Q2 24 | $0.19 | $0.07 | ||
| Q1 24 | $0.12 | $0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $4.9M | $320.9M |
| Total DebtLower is stronger | $45.0M | — |
| Stockholders' EquityBook value | $604.9M | $560.4M |
| Total Assets | $1.6B | $667.9M |
| Debt / EquityLower = less leverage | 0.07× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.9M | $320.9M | ||
| Q3 25 | $10.5M | $287.9M | ||
| Q2 25 | $7.8M | $266.4M | ||
| Q1 25 | $20.8M | $245.8M | ||
| Q4 24 | $10.2M | $205.9M | ||
| Q3 24 | $20.9M | $187.5M | ||
| Q2 24 | $18.7M | $188.8M | ||
| Q1 24 | $6.6M | $180.1M |
| Q4 25 | $45.0M | — | ||
| Q3 25 | $60.0M | — | ||
| Q2 25 | $71.5M | — | ||
| Q1 25 | $61.3M | — | ||
| Q4 24 | $59.3M | — | ||
| Q3 24 | $62.0M | — | ||
| Q2 24 | $112.0M | — | ||
| Q1 24 | $102.0M | — |
| Q4 25 | $604.9M | $560.4M | ||
| Q3 25 | $601.7M | $537.4M | ||
| Q2 25 | $604.9M | $516.7M | ||
| Q1 25 | $620.8M | $500.4M | ||
| Q4 24 | $648.9M | $485.6M | ||
| Q3 24 | $651.9M | $468.8M | ||
| Q2 24 | $654.4M | $451.6M | ||
| Q1 24 | $656.8M | $439.4M |
| Q4 25 | $1.6B | $667.9M | ||
| Q3 25 | $1.6B | $644.4M | ||
| Q2 25 | $1.6B | $609.5M | ||
| Q1 25 | $1.6B | $590.9M | ||
| Q4 24 | $1.7B | $576.2M | ||
| Q3 24 | $1.7B | $552.9M | ||
| Q2 24 | $1.7B | $527.7M | ||
| Q1 24 | $1.7B | $514.0M |
| Q4 25 | 0.07× | — | ||
| Q3 25 | 0.10× | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.10× | — | ||
| Q4 24 | 0.09× | — | ||
| Q3 24 | 0.10× | — | ||
| Q2 24 | 0.17× | — | ||
| Q1 24 | 0.16× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $17.8M | $45.1M |
| Free Cash FlowOCF − Capex | $9.1M | $45.0M |
| FCF MarginFCF / Revenue | 3.1% | 13.6% |
| Capex IntensityCapex / Revenue | 3.0% | 0.0% |
| Cash ConversionOCF / Net Profit | 1.60× | 2.18× |
| TTM Free Cash FlowTrailing 4 quarters | $49.6M | $161.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $17.8M | $45.1M | ||
| Q3 25 | $32.3M | $35.1M | ||
| Q2 25 | $-1.9M | $31.5M | ||
| Q1 25 | $28.9M | $50.4M | ||
| Q4 24 | $14.8M | $27.9M | ||
| Q3 24 | $62.6M | $6.7M | ||
| Q2 24 | $25.6M | $18.0M | ||
| Q1 24 | $-5.3M | $11.0M |
| Q4 25 | $9.1M | $45.0M | ||
| Q3 25 | $26.6M | $35.0M | ||
| Q2 25 | $-9.3M | $31.4M | ||
| Q1 25 | $23.2M | $50.4M | ||
| Q4 24 | $7.9M | $27.8M | ||
| Q3 24 | $57.6M | $6.7M | ||
| Q2 24 | $16.8M | $17.8M | ||
| Q1 24 | $-11.9M | $10.8M |
| Q4 25 | 3.1% | 13.6% | ||
| Q3 25 | 9.2% | 11.3% | ||
| Q2 25 | -3.1% | 11.2% | ||
| Q1 25 | 7.9% | 18.3% | ||
| Q4 24 | 2.6% | 10.8% | ||
| Q3 24 | 19.1% | 2.9% | ||
| Q2 24 | 5.7% | 9.0% | ||
| Q1 24 | -3.8% | 5.9% |
| Q4 25 | 3.0% | 0.0% | ||
| Q3 25 | 2.0% | 0.0% | ||
| Q2 25 | 2.5% | 0.0% | ||
| Q1 25 | 1.9% | 0.0% | ||
| Q4 24 | 2.2% | 0.0% | ||
| Q3 24 | 1.6% | 0.0% | ||
| Q2 24 | 3.0% | 0.1% | ||
| Q1 24 | 2.1% | 0.1% |
| Q4 25 | 1.60× | 2.18× | ||
| Q3 25 | 5.71× | 1.98× | ||
| Q2 25 | — | 2.14× | ||
| Q1 25 | — | 3.65× | ||
| Q4 24 | 3.23× | 2.12× | ||
| Q3 24 | 11.08× | 0.47× | ||
| Q2 24 | 4.37× | 1.93× | ||
| Q1 24 | -1.42× | 1.52× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MNRO
| Tires | $150.2M | 51% |
| Maintenance | $73.5M | 25% |
| Brakes | $35.1M | 12% |
| Steering | $24.9M | 8% |
| Batteries | $6.2M | 2% |
| Exhaust | $3.2M | 1% |
PAY
| Payment Transaction Processing Revenue | $326.9M | 99% |
| Other | $3.5M | 1% |
